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Credit was a mess, but want to be a 1st time home buyer...
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My husband and I were try to buy our 1st house in May 2019. We dealt with the usual mortgage lender that help people get a home with bad credit. Well that was far from the truth. So we started researching credit repair companies, and I know from using a consolidated credit company in my younger days, that they don’t work. I found Joe Camacho from a yelp review. My husband and I both talked with Joe for over 2 hours about, what he can do for us, a timeline of how long it will take, and things he needed us to do to be successful with him. We got started right away with Joe. The first thing was to send Joe everything the creditors sent to us, we did that faithfully. Joe said the creditors will use stall tactics to keep reporting the debt, they did this. But Joe and his team stayed on top of the creditors and ended up getting a lot of the old debt deleted. At one of the credit bureaus my husband has no bad debt, just positive accounts. Which shot his credit score up to a 742. The only thing is I wish the (batch date) was made an importance at the very beginning. But once Joe explained the (Batch Date) we got on the phone with all ours current creditors and found out when they report to the bureaus, aka the (Batch Date). We will be forever grateful to Joe Camacho, exactly 1 year from when we originally spoke with Joe we signed the papers for our 1st house May 2020. I know we all have reservations if a credit repair service will really do as they say or just take you money. Joe Camacho is the Real Deal. He is always professional even when you are frustrated with the process (my husband). He brings you back to focus and reminds you that you didn’t tank your credit in one day, you did it over years or months. He works hard for you, but he needs you to work with him. My husband and I strongly recommend Joe Camacho he is a true businessman. Thank you it was a pleasure working with him.
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